Life Insurance Over 60: How to Make the Right Choice
Creating Richer Lives
This podcast episode explores how to evaluate life insurance when you're over 60, especially if you already own long‑held policies. Host Karl Eggerss walks through a real client case to show how rising insurance costs, cash value, and personal financial needs all factor into smart decision‑making. He explains why many retirees may not need insurance anymore—yet may still want to keep a policy for strategic reasons. The episode also outlines practical steps like reviewing in‑force illustrations, assessing coverage needs, and understanding options before making changes. Show Topics ...
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Why Paying off Debt Can Make You Poorer
Creating Richer Lives
This week's episode breaks down why paying off debt isn’t always the smartest financial move—especially if the money comes from savings, investments, or retirement accounts. While wiping out debt feels good, the wrong payoff strategy can actually shrink your long‑term wealth and increase financial risk. We highlight common situations where debt payoff backfires and share smarter ways to decide when paying debt off truly makes sense. Show Topics Why paying off debt can sometimes reduce long‑term wealth How using retirement funds or savings to pay debt can backfire The hidden...
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It’s a New Year… But Is It a New Market?
Creating Richer Lives
In this episode, Karl Eggerss breaks down the key economic and market developments shaping early 2026. He covers the sharp moves in the Venezuelan stock market, the renewed strength in energy stocks, and how recent federal policies under President Trump may influence housing affordability. Karl also examines the latest sector rotation in the stock market and explores whether the shift has staying power. To wrap up the episode, he shares a personal story about meeting Warren Buffett as the legendary investor retired at the end of the year. Show Topics 01:34 Market Movements and News Events...
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What Made 2025 So Unique?
Creating Richer Lives
In this final episode of 2025, Karl Eggerss takes a look back at what made this year so extraordinary for investors and markets. This includes some commentary on what were the outstanding areas of the market and what suffered. He also shares key considerations to keep in mind before making any trades in 2026. Plus, Karl offers a sneak peek into what’s coming for the podcast in the new year.
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They Did It—Now What?
Creating Richer Lives
The Federal Reserve’s decision to lower its key interest rate this week wasn’t shocking—but it was a relief. What does this move actually accomplish, and how might it impact you? We’ll break it down. Interestingly, the FOMC showed plenty of internal disagreement, but investors were united in their response—stocks surged after the announcement. Plus, Karl spotlights a fascinating case: one stock that took 25 years to climb back to its dot-com bubble peak. Can you guess which one? Show Topics: Federal Reserve Interest Rates Dot-Com Bubble Market Rotation
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Your Questions Answered
Creating Richer Lives
The Creating Richer Lives Podcast always encourages listener feedback. On this week's special episode, Karl Eggerss answer listener questions that he's accumulated the past few weeks. Plus, bond allocation by investors is at an 18-year low. Karl explains why this might be the case. He also discusses home ownership versus renting. Show Topics Dry Powder REITs Portfolio Income Bond Allocation Rent vs. Buy
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Some Cracks in the Market
Creating Richer Lives
Stock market volatility has surged in recent days, and everyone seems to have a theory. Is the Federal Reserve to blame? AI stocks? Cryptocurrencies? Tariffs? Or maybe it’s just end-of-year selling pressure? In this episode, Karl Eggerss breaks down what’s really driving the turbulence and provides a roadmap for navigating the next few months. Plus, find out why your Thanksgiving dinner in 2025 is likely to cost significantly more than last year. Show Topics AI Stock Meltdown Federal Reserve Volatility Cryptocurrencies
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Structured Notes: Opportunity or Trap?
Creating Richer Lives
Structured notes are one of Wall Street’s most complex—and often misunderstood—investment products. In this episode, we break down how they work, why big banks issue them, and what investors need to watch out for before investing. Are they a smart way to enhance returns and manage risk, or a trap hiding in plain sight? Tune in to learn the mechanics, the motivations, and the potential pitfalls behind structured notes. Show Topics What structured notes are and how they’re built Why major banks issue them and what’s in it for them The potential benefits and risks for investors Key...
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Risk, Return, and Taxes: An Investor’s Dilemma
Creating Richer Lives
In this episode, we tackle one of the most common — and costly — dilemmas facing long-term investors: what to do with highly appreciated assets. Whether it’s a stock that’s grown 10x, a mutual fund from the 1990s, or an inheritance, the tax consequences of selling can feel paralyzing. But doing nothing is a decision too — and often a risky one. What You’ll Learn: What are embedded gains? Why long-held positions can become a tax trap — and how investor psychology plays a role. A decision-making framework: How to balance risk, return, and taxes when evaluating whether to sell,...
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Are You Leaving Money on the Table?
Creating Richer Lives
In this episode, Karl dives into the importance of comprehensive financial planning and how it can help ensure you're not leaving money on the table—especially in light of new provisions in the "One Big Beautiful Bill" legislation. He explores timely topics such as changes to charitable contributions, the potential deductibility of automobile loan interest, and whether financing a car might be more beneficial than paying cash. Karl breaks down the reasoning behind these strategies and how they could impact your financial decisions. The episode also covers a wide range of current financial...
info_outlineIn this episode, Karl Eggerss explores the resilience of today’s financial markets, offering insights into investor behavior and market speculation. He emphasizes the importance of diversification, dynamic portfolio management, and strategic financial planning in navigating uncertainty.
Karl covers key topics such as international equities, cryptocurrencies, AI-driven investments, and interest rate trends, explaining how each can impact portfolio performance. He also stresses the need to adapt investment strategies to shifting market conditions and highlights how comprehensive planning can help optimize long-term returns.